You are missing the point.I use direct debits, standing orders, credit cards and internet banking. So it won't bother me for PAYING bills if I can't write a cheque.
But it WILL bother me for getting PAID for the work I do as a self employed electrician.
At the moment, 99% of domestic work I get paid for instantly on completion of the job, either by cash if it's a small amount, or a cheque for a larger amount. That means instantly I know I have been paid and there is no hassle.
If my customers can no longer write a cheque, then either they need to have anticipated the amount and have a large wad of cash ready, OR they are going to say send an invoice and I'll pay by bank transfer (or some other electronic means) which means the delay in producing and posting the invoice, then the delay in them getting around to paying the bill some time in the future when they can be bothered.
So in short, I can see a LOT more late payments to chase up. Something I currently only have to do for commercial customers (who won't pay instantly by cheque)
That is unless we all pay some money to someone to provide us with a portable POS terminal to take instant payment by credit card. Which will cost, so the costs will have to be passed on to the customer.
Now do you see the problem that concerns some of us?